When and how should I claim on pet insurance?
As soon as you think you may have reason to make a pet insurance claim, you should telephone your insurance provider as soon as possible. Your policy documentation should include a direct phone number that will get you straight through to the department that deals with pet insurance claims along with your policy number.
Tell your insurance provider the name of any medical condition that your pet has been diagnosed with. Also give the insurance provider an indication of the likely costs of your pet insurance claim – if the claim involves treatment for an accident or illness then your vet should be able to provide this information. Send your insurance provider any invoices or other evidence of the cost of the claim.
Your insurance provider will send you a claim form. Ensure that you complete the form in full, and seek clarification from your insurance provider if you are unsure about exactly what information to provide.
Find out if the insurance provider will pay the vet directly, or if they will pay the money to you as the policyholder, leaving you to pay the vet. Occasionally in cases of emergency treatment, it’s possible that you will have already had to pay the vet, and you will then be claiming on your pet insurance in order to be reimbursed.
Make sure you keep your insurance provider informed at all stages of the claim, for example if your vet refers your pet for additional treatment elsewhere, the insurance provider will expect to be told about this.